The above quotes are for a 35-year-old female in Austin, Texas who drives a 2023 Honda Civic, has a clean driving record, good credit, and owns her own home.
Remember: If the price tag for full coverage insurance through AAA is causing some hesitation, you can explore programs like AAADrive™ or AAA Onboard®, or ask if you’re eligible for any of the company’s car insurance discounts.
Is a AAA full-coverage auto insurance policy worth it?
Depending on where you live, what your finances look like, and what perks you’re aiming to access, full coverage through AAA could be a great choice for you.
If you’re set on AAA and are planning to finance or lease a vehicle, you’ll most likely need to add full insurance coverage to your policy. Although it’s not required by the state, it’s usually a requirement from lenders. Even with a vehicle you own outright, it’s still a good idea to upgrade to full coverage.
But if your profile aligns better with a different insurance company, you can always opt for AAA roadside assistance only and continue to purchase an insurance policy through another provider.
FAQs
Why is AAA insurance so expensive?
AAA insurance is generally more expensive than other providers because they don’t write their own policies. In addition, inflation and supply chain shortages are also contributing to higher car insurance rates across all providers.
What is the cheapest full-coverage car insurance?
No company provides the ‘cheapest full coverage’ policy. Rather, your full coverage car insurance rates will be tailored to your specific driver profile. Companies like Progressive, Safeco, and Nationwide are known for their relatively cheaper car insurance rates overall.
What is AAA comprehensive coverage?
AAA comprehensive coverage will pay for any non-collision-related damages to your vehicle, including severe weather, theft, vandalism, and natural disasters.
What does full coverage mean on a car?
A full coverage policy consists of liability car insurance, comprehensive insurance, and collision insurance.
How much is a AAA full coverage policy?
AAA’s full coverage policies often cost around $2,796 per year. If you add other insurance options, like rental reimbursement or gap coverage to your policy, your premiums can increase.
Does AAA require a membership to access full coverage insurance?
You need a AAA membership to access any AAA insurance features and benefits.